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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,415 | $81,233-88.4% | $155,567-93.9% | $80,874-88.4% |
| Participation rate | 37.5% | 66.2%-28.7pp | 78.2%-40.7pp | 67.6%-30.1pp |
| Annual return | 34.59% | 33.33%+1.3pp | 64.74%-30.1pp | 35.62%-1.0pp |
| Employer contribution / active EE | $773 | $3,101-75.1% | $4,674-83.5% | $2,756-71.9% |
| Participant deferral / active EE | $1,361 | $3,452-60.6% | $5,628-75.8% | $4,297-68.3% |
| Admin fee / account holder | $1,687 | $7,998-78.9% | $15,916-89.4% | $6,935-75.7% |